CG 25 03 vs CG 25 04 — Per-Project vs Per-Location Aggregate
CG 25 03 dedicates an aggregate to a construction project; CG 25 04 dedicates it to a location.
What it actually does
Both CG 25 03 and CG 25 04 solve the same underlying problem — a shared general aggregate that claims on other jobs can erode — but they slice it differently. CG 25 03 establishes a separate general aggregate for each designated *construction project*. CG 25 04 establishes one for each designated *location* or premises.
For construction subcontracts the per-project form (CG 25 03) is almost always what's wanted, because a project is the unit the contract cares about and may not correspond to a single fixed location. A broker who attaches CG 25 04 when the subcontract requires CG 25 03 may leave a gap: a project spanning multiple locations, or a location hosting multiple projects, won't map cleanly.
When the subcontract specifies one, confirm that exact form is attached and that your project or location appears in the schedule with an adequate dedicated limit.
Verification checklist
- 01Confirm the subcontract requires per-project (CG 25 03) or per-location (CG 25 04).
- 02Verify the matching form is attached — not the other one.
- 03Read the schedule and confirm your project/location is listed.
- 04Check the dedicated aggregate meets the required limit.
Common mistakes
- ·Accepting CG 25 04 when CG 25 03 was required (or vice versa).
- ·Assuming one project equals one location.
Frequently asked questions
Which aggregate form do construction subcontracts want?
Usually CG 25 03, the per-project aggregate, because a project is the contract's unit and may span more than one location.
Can CG 25 04 substitute for CG 25 03?
Not reliably — a per-location aggregate doesn't necessarily map to a construction project, which can leave a gap.
Checking a sub's COI right now?
Upload it free — we'll check every endorsement, edition, and limit against your requirements and hand back a per-vendor gap report.
Run a free COI audit →Related endorsements
This page explains CG 25 03 vs CG 25 04 in plain English for COI verification. It is informational only and is not legal or insurance advice — confirm the actual endorsement language and have your counsel or insurance agent review your specific requirements.